Self employed outlook- Raising finance

EU Referendum – Don’t Panic
June 24, 2016
Kate’s up for a flagship award!
October 14, 2016

Self employed outlook- Raising finance

This blog post is the first in a series for business owners and the self employed.

Marc Lawson of Business Vision Accountants outlines the options for financing your business.

Every business from its commencement and through its development and growth will need finance.
The forms of finance and methods of obtaining them have substantially changed in the last 10 years so to help you I’ve set out below some brief points on the type of finance now available and guidance on how to use those choices.

Sources of finance

Peer 2 peer lending

This has now become a major source of finance for businesses. The process works by a web based company acting as the middle man between investors with money to invest and business owners who are keen to attract borrowing at competitive rates without necessarily having to resort to high street banks.

One of the biggest of these is Funding Circle. The process works by a business putting forward a business plan. Funding Circle will then credit rate that plan on behalf of its investors and publish it (assuming they give it the go ahead) on their website. After a short time the business will then have a long list of potential investors and assuming they have sufficient offers to cover their original loan request, then they simply need to give the go ahead. Funding Circle will then collect loan repayments direct from the business (so that there aren’t hundreds of individual repayments) and give out interests to the investors.

Bank loans and overdrafts

Banks are still very active in the market of lending and typically lending would take the form of an overdraft or bank loan. Overdrafts are a very flexible form of finance which, with a healthy income in your business can be paid off more quickly than a formal loan. The downside of an overdraft is they are typically repayable on demand and renewable annually so are not as certain as other forms of lending.

Many businesses appreciate the advantage of a fixed term loan. This gives them the comforts that regular payments have to be made on a loan and this makes for costing and budgeting easier. They may also feel that, the bank is more committed to their business for the whole term of the loan.

Interest rates are relatively low at the moment but banks have typically sought to charge a higher “base rate plus” so rates of 8 or 9% are still common.

Savings and friends

When commencing a new business, very often money invested will come from the business owners’ personal savings or family and friends.

It is even more important to set out a good business plan if you’re investing your own money and that of family and friends. 2 out of 3 businesses fail within the first 3 years although every business starts with a high level of confidence of success. Getting a business plan reviewed by a third party such as a friendly bank manager or accountant is highly recommended.

Like other lenders, business owners should consider that money invested needs to be assessed from a risk point of view. Typically business owners will be the last person to get paid if anything goes wrong with the business. With clever structuring, the money invested can be protected to a greater extend.

Other sources

Increasingly cropping up, there are many new, weird and wonderful ways of getting finance and we would recommend that these are also reviewed. For example there are now lenders that will provide retailers with a credit card machine and will take repayments on a loan based as a percentage of the sales. This means that if sales are low then the loan repayments go down accordingly. This is particularly suitable for seasonal businesses. There are too many to note but contact us on the details below if you are seeking guidance.

Obtaining finance

Regardless of the method of finance, there are certain steps that need to be taken in most cases. It’s important to realise that the deal must not only be suitable for the lender but also that the business owner checks the need for finance is correct and that the use of the money is for appropriate business purposes and not simply a bail-out fund that will unravel in a few years’ time.

The following might be key steps in the process:-

  • Create a detailed business plan. Unfortunately many businesses’ plans are sketchy at best and will often lead to a lender bailing out immediately. Typically the business plan should include:-

-The objectives and aims of the business.

-The purpose of the required funding.

-The business ownership and history.

-Management and responsibilities. Particularly the skills set of the managing director as lenders will want to know that there is a degree of financial savvy in that part of the business to protect their investment.

-Products and market share.

-Sales plan and strategy.

-The financial position of the business with a detailed forecast

  • Decide on the source of finance. The list above gives a brief guide to available sources but consideration should also be given to government’s sources such as grants and interest free or low interest forms of finance. As a general rule, the length of the borrowing should roughly coincide with the length of the item being financed.

  • Does the finance solve the cash flow need? It is important to assess whether the finance is going to be useful, viable and repayable.

  • Assess risks. Depending on the source of finance, there will always be an element of risk in terms of changes within the business and this needs to be assessed to ensure they fit the overall plans of the business and represent an acceptable form of risk.

  • Arrange for a third party to overview the plans. A business owner, especially in small businesses, is especially optimistic and confident about what they can achieve. Often this will be unrealistic and a third party view from somebody maybe slightly more pragmatic is always recommended. If higher sales are predicted, detailed analysis of exactly these would come from and whether it’s realistic ought to be looked at in great details.

After finance is obtained

The process does not end with obtaining the finance as consideration needs to be given to the personal entity lending money. Clearly they need to be kept happy by having repayments made or having overdrafts maintained below the relevant limits. Any problems arising with the finance in terms of repayments or any large variations on the business plan need to be looked at carefully and the business lender kept informed.

Bear in mind that further finances might be needed in the future and lenders will look at track records to see if previous finance was a) suitable, b) well planned and most importantly c) repaid according to the terms and conditions.

Building up a good relationship with banks or peer 2 peer lenders like Funding Circle are crucial and communication essential in situations where anything other than the agreed arrangements are being met.

Marc Lawson
businessVision

www.bvisionaccountants.co.uk

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    Read The Day After Roswell and then look at the moon bases, interesting stuff and true too.

  123. 321611 says:

    About a year or so ago, I was heading to school and as I headed out the door, I saw a coyote looking at me(originally I thought it was a wolf but later found out it was a coyote) and then I blacked out and fell to the ground. My mother found me and took me to the hospital and they took my blood pressure, blood sugar level and other blood tests to see if anything was wrong, there wasn’t, I still have 0 clues as to why this happened to me. Coyotes usually never come around our house, and suddenly, I see this one look at me and I black out? I’m clueless, anyone have any insight as to why this happened to me?

  124. 363654 says:

    Amazing Look! Love the floral top.

  125. 92598 says:

    Да, конечно. Напишите на email через форму.

  126. 475846 says:

    It is my first time using Atroiza. Must i take 1 pill everyday?

  127. 566428 says:

    Any help ,i started taking atroiza in june while i was pregnant and have now delivered my HIV negative baby, so i would like to know that is this Atroiza only for pregnant woman? Am i going to be switched to a new treatment because im no longer pregnant? Please help.

  128. 262479 says:

    Hi, my friend thinks that she is HIV because she lost her boyfriend who was HIV. She tested for HIV and she was negative now she is afraid of going back to test. It has been a year now.

  129. 497255 says:

    Taena ka, bugok. Magtigil ka na nga. Sobrang corny mo, hanggal.

  130. 359141 says:

    Hahaha, I guess Metro finally wised up and dumped something that was so lame, cheap and cheesy. Even LAUSD telecommunications classes had better production values than Transit TV did!

  131. 143191 says:

    Wow! What a beautiful performance with Trace Adkins on CMT Country Christmas. And you are GORGEOUS!

  132. 592757 says:

    i am on my arv can i take Nutricom as well?

  133. 17470 says:

    Same Problem. app does not conect to pc

  134. 123924 says:

    Great mix-tape. It’s getting played to death these past few days.

  135. 774020 says:

    Hi Esha, I hope Trey reads this too. It’s so funny he knows I blog about him sometimes, but he says he’s not interested. Maybe someday. I actually want him to help me with it. We’ll see.

  136. 448877 says:

    Very well put, I completely agree.

  137. 549821 says:

    I was diagnosed with hiv in 2012, my cd4 count was 574 during my first test. At the clinic i was told to come after 12 months, i did so and my second cd4 count was 217, they then put me on treatment immediately. I would like to know whether hiv is curable or what? I also want to know that if i am on treatment i can pass the virus to my partner or what.

  138. 75850 says:

    Ok the ordering changes here, ignore this, I’ll directly reply to the comment by Bhupendra

  139. 60342 says:

    I love the details on your website. Thanks a bunch.

  140. 1113422 says:

    Amazing Look! Love the floral top.

  141. 1064330 says:

    From our FAQ Page; There will be no blankets or garbage bags allowed in the grandstand on Sunday.? We will not allow any reserved seating on Sunday.

  142. 164446 says:

    Hi Rach! I’ve asked him to write a note so many times it’s not funny. Oh well I’m sure one day he will.

  143. 499589 says:

    I am genuinely grateful to the owner of this site who has shared this fantastic paragraph at here.

  144. 861371 says:

    This article offers clear idea designed for the new people of blogging, that in fact how to do blogging.

  145. 445174 says:

    I’ve jst started using Atroiza, no side effects yet but my abdomen is painful and kidneys sometimes! What time can I take it at night because sometimes I work until late but they said to take it at bed time.

  146. 495845 says:

    Been looking for a tool like this for my busy department. Will try out Rapid Reporter with my team and give feedback on my daily blog.

  147. 964687 says:

    “You guys aren?t technically here! Have you ever even grown plants, helped a humane society, or done anything else cool besides sit all fucking day? Probably rarely, because your breathing is so vacuous and lifeless you can?t think there is ?any other way? besides sitting on your ass all day in Zazen in ?proper posture?. It?s good for absolutely nothing. You know what? Fuck your sitting. It?s totally 100 percent worthless. You aren?t going to accomplish anything besides making more divisions, violence, and shit like that.”

  148. 899154 says:

    Pero pag nagartista yan dito tulad ni Puerto Rico Dayanara Torres madaming Pinoy magiging fans niyan hahaha. Babaw nating mga Pinoy.

  149. 830489 says:

    That print is crazy gorgeous!!!

  150. Dion says:

    Write more, thats all I have to say. Literally, it seems as though you relied on the video to make your point. You definitely know what youre talking about, why waste your intelligence on just posting videos to your blog when you could be giving us something informative to read?

  151. Cameron says:

    As I site possessor I believe the content matter here is rattling great , appreciate it for your hard work. You should keep it up forever! Good Luck.

  152. 1135908 says:

    Keep up the good work guys, in keeping the art and the origins of animation alive! It¡¯s important that we move with the times and appreciate how technology advances and enables evolution, but also we understand how we got there!

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